Auto insurance in the state of Kentucky requires every automobile-owner to carry a certain minimum of auto insurance- liability insurance- only a small part of what is available for your protection. Auto insurance is primarily considered a representation of financial responsibility of a purchased automobile and its drivers. As such, there are a number of major areas that make up Kentucky’s liability auto insurance policy, but two main ones: bodily injury liability and property damage liability.

Bodily insurance liability is what covers you if you have caused any injury or damage to another person during an accident, such as medical bills or income lost because they were unable to attend work. The state requires a minimum limit of $25,000 per person for up to $50,000 per accident, including passengers and pedestrians.

Property damage liability covers the replacements or repair of any of the your property that may have been damaged because of the accident. The minimum is $10,000 per accident, but can be increased at a cost if desired. In addition to the well-known bodily insurance and property damage liabilities, the state offers no-fault coverage; this requires the insurance company to pay for damages and expenses of up to $10,000, regardless of who is at fault for the accident. However, this limits your right to sue the party who is actually at fault.

While the Kentucky Department of Insurance in Frankfort, KY, has not enforced its laws in all counties - 112 counties out of 120 - unless you are willing to locate these remaining eight counties to evade the auto insurance laws, it is highly recommended that you purchase the minimum policy for your own welfare. There are several other different types of coverage - such as personal injury protection, collision, etc. - that can make up an auto insurance policy in Kentucky, so be sure to look into all of them before purchasing.